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Debt Management Program

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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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Debt Relief Consolidation

Debt relief consolidation can help you eliminate debt.

Living with a large amount of credit card debt or personal loans can be incredibly stressful. From trying to keep up with payments to never knowing when you’ll have financial stability, too much debt can make life miserable. Fortunately, debt relief consolidation services offer a solution for getting out of debt. In debt relief consolidation, you work with a debt management company to combine all the money you owe into a single lump sum, allowing you to make one payment per month instead of many payments to multiple creditors. A debt management company may also be able to work with creditors to reduce the amount you owe or the interest rates on loans and credit cards.

When you’re seeking a debt relief consolidation company, consider the many services available from American Consumer Credit Counseling (ACCC). We’re a non-profit organization dedicated to helping individuals and families find debt relief, and over the past 20 years we’ve helped tens of thousands of people eliminate debt and live a debt-free future.

Debt relief consolidation services from ACCC.

Our debt relief consolidation plans are customized and designed to address the needs of your specific financial situation. Here’s how it works:

  • First we’ll perform a detailed evaluation of your finances, including your debts, expenses and income.
  • Then we’ll help you create a workable budget to pay off your debts, usually within five years.
  • Next, in the debt relief consolidation phase, we’ll pool all of your debts, consolidating credit cards, personal loans and other unsecured debts. You can make one payment to us each month, and we’ll disburse payments to creditors on your behalf.
  • We’ll also communicate with your creditors and work for a possible reduction in interest rates on your loans and credit cards, elimination of late fees and over-limit charges, and a reduction in the amount of time it will take to pay off your debts.

Additionally, we offer a broad range of educational resources on our website and through newsletters and self-directed studies. You can learn more about credit card debt consolidation loans, creating budgets, credit scores and more.

Why choose ACCC for debt relief consolidation?

There are many reasons to come to ACCC for debt relief consolidation. As a nonprofit agency our fee structure is among the lowest in the debt reduction industry. We’ll also help you save money by reducing fees, late charges and interest rates. Our professionally trained and certified counselors are experts in debt relief consolidation and have helped tens of thousands of individuals and families find debt relief. Furthermore, we offer great convenience by handling all payments to and communication with creditors for you.

Contact us today to begin the debt relief consolidation process and your journey to a debt-free future.

See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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